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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 eCO Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
eCO Credit Union's 1 year CD of Deposit rates are at 3.55%, 1 year CDs of Deposit and IRAs rates are at 3.55%, 1 year IRA CD of Deposit rates are at 3.55%, 1 year IRA CDs of Deposit and IRAs rates are at 3.55%, 5 year CD of Deposit rates are at 3.30%. eCO Credit Union's savings rates are at 0.00%. eCO Credit Union's money market rates are at 0.00%. eCO Credit Union's Personal Loan Rates are at 6.50%. MonitorBankRates evaluates the financial stability of eCO Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.38%. Rates were last updated on 04/08/2026. eCO Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at eCO Credit Union? Share your experience about eCO Credit Union by leaving a review below, or read customer reviews before you decide to use eCO Credit Union. 
eCO Credit Union CD Rates
eCO Credit Union Savings Rates
eCO Credit Union Money Market Rates
eCO Credit Union Checking Rates
eCO Credit Union Mortgage Rates
eCO Credit Union Home Equity & HELOC
eCO Credit Union Auto Loan Rates
eCO Credit Union Credit Card Rates
eCO Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for eCO Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather eCO Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with eCO Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
eCO Credit Union
Website
https://www.ecocu.org
Address
105 Frankfurt Cir,
Birmingham, AL 35211 6978
Phone
205-226-3900
Fax
President
Julie Kelly
CEO
Joey Hand
Full-Time Employees
36
Part-Time Employees
2
Branch Locations
6
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.38%
Return on Assets (ROA)
0.2762%
Return on Equity (ROE)
2.3500%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
188,148,420
Total Amount of Shares and Deposits
175,384,325
Total Shares and Deposits < 1 Year
170,836,226
Total Shares and Deposits 1 3 Years
2,916,879
Total Shares and Deposits > 3 Years
1,631,220
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,484,410
Total Uninsured Shares and Deposits > $250K (F+J)
4,484,410
Total Insured Shares and Deposits > $250K (item 17 less item K)
170,899,915
Total Interest Expense (Sum of items 6 8)
1,257,613
Share Certificates
922
Number of Accounts for Share Drafts
9,241
IRA KEOGH Accounts
480
Number of Accounts for Regular Shares
16,268
All other shares
4,747
Money Market Shares
106
Net Income (unless the amount is already included in Undivided Earnings)
519,645
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,984,755
Total Liabilities
175,227,022
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About eCO Credit UnionIs eCO Credit Union a safe place to deposit money?Yes, eCO Credit Union is considered a safe financial institution. With a Texas Ratio of 2.3805591565593%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does eCO Credit Union operate?eCO Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join eCO Credit Union?Yes, to access services at eCO Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, eCO Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, eCO Credit Union provides members with tools to manage their accounts and build a solid financial history. Does eCO Credit Union offer online and mobile banking?Most modern institutions like eCO Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ecocu.org. Current eCO Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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